Debt collection -- Attempts to collect debt not owed -- Complaint #11917417
Complaint Overview
Complaint ID: 11917417
Company: F.H. Cann & Associates, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Tennessee
ZIP Code: 380XX
Date Received: 2025-02-03T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint against XXXX. XXXX and XXXX XXXX XXXX regarding their deceptive and unlawful debt collection practices. This company has been attempting to collect a debt they allege I owe to XXXX XXXX XXXX XXXX in the amount of {$20000.00}. However, I do not owe this debt to XXXX XXXX. In an effort to verify the legitimacy of this debt collection attempt, I have sent certified letters to F.H. Cann and Associates , Inc., requesting the following : An agreement that authorizes them to collect the debt allegedly owed to XXXX XXXX. A signed agreement from me, the alleged debtor, where I have promised to pay this debt. A complete payment history on this account to validate the debt amount they claim I owe. Despite my legitimate requests, which I have proof they received through XXXX XXXX numbers ( attached ), F.H. Cann and Associates has failed to provide any of the requested documentation. Instead of complying with their legal obligation to validate the debt, they continue to harass me with deceptive collection efforts. This behavior not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), but it also raises concerns that F.H. Cann and Associates , InXXXX is attempting to collect a debt they purchased for pennies on the dollar without proper documentation or legal standing. Their continued harassment and failure to provide proof of debt indicate a blatant disregard for consumer protection laws. I request that the CFPB investigate this matter and take appropriate action against F.H. Cann and Associates , Inc. for their deceptive and unlawful debt collection practices. I further request that they cease all collection attempts against me until they can provide the legally required documentation verifying the validity of this alleged debt. Thank you for your time and attention to this matter. I appreciate your assistance in ensuring that consumers are protected from unfair and unlawful debt collection practices.
Frequently Asked Questions
What is Complaint #11917417 about?
Complaint #11917417 was filed against F.H. Cann & Associates, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-03T12:00:00-05:00.
How did F.H. Cann & Associates, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against F.H. Cann & Associates, INC.?
Yes, visit the F.H. Cann & Associates, INC. company profile at readthecomplaint.com/company/f-h-cann-associates-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.